City comparison
Pensacola, FL vs Urban Honolulu, HI
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Urban Honolulu, HI are 13.6% higher than in Pensacola, FL. Someone earning $100,000 in Pensacola, FL would need about $113,600 in Urban Honolulu, HI to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,016 a month in Urban Honolulu, HI versus $1,257 in Pensacola, FL. On $100,000, that's 33% of take-home pay in Urban Honolulu, HI and 19% in Pensacola, FL.
- On $100,000, estimated state income tax is about $6,070 a year higher in Urban Honolulu, HI than in Pensacola, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +4.4% moving from Pensacola, FL to Urban Honolulu, HI ($106,437 → $111,119), while prices change by +13.6%. Net effect of the transfer: −8.1% in real buying power.
- Pensacola, FL: price level 97.7 (cheaper)
- Urban Honolulu, HI: price level 111.0 (much pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Pensacola, FL | Urban Honolulu, HI | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.7 | 111.0 |
| $100,000 is worth, in the other city2 | $113,553 in Urban Honolulu | $88,064 in Pensacola |
| Typical 1-bedroom rent3 | $1,257/mo | $2,016/mo |
| Take-home on $100,00014,15,8 | $79,180 | $73,110 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $6,070 (HI) |
| Rent burden on $100,000 | 19% | 33% |
| Median pay, all jobs4 | $46,240 | $57,220 |
| Federal locality pay area7 | Rest of U.S. | State of Hawaii |
Rent areas: Pensacola-Ferry Pass-Brent, FL MSA and Urban Honolulu, HI MSA. Metro areas: Pensacola-Ferry Pass-Brent, FL and Urban Honolulu, HI.
What costs more or less
| Price level (U.S. = 100) | Pensacola | Urban Honolulu |
|---|---|---|
| Housing (rent) | 98.8 | 135.5 |
| Goods | 96.2 | 111.6 |
| Utilities | 88.5 | 187.3 |
| Other services | 98.9 | 102.9 |
| Overall | 97.7 | 111.0 |
Moving with the same $100,000 salary
Pensacola, FL → Urban Honolulu, HI
Same pay buys less
Buying power −11.9%; rent takes 33% of take-home; state tax +$6,070/yr.
25 Weak offer
Urban Honolulu, HI → Pensacola, FL
Same pay goes further
Buying power +13.6%; rent takes 19% of take-home; state tax −$6,070/yr.
100 Strong offer
On the GS pay scale?
Pensacola, FL is in the Rest of U.S. pay area; Urban Honolulu, HI is in State of Hawaii. The last column shows what a transfer from Pensacola, FL to Urban Honolulu, HI at the same grade and step does to real buying power.
| Grade5,2 | Pensacola, FL | Urban Honolulu, HI | Real change, Pensacola → Urban Honolulu |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $64,438 | −8.1% |
| GS-11 step 1 | $74,678 | $77,964 | −8.1% |
| GS-12 step 1 | $89,508 | $93,445 | −8.1% |
| GS-13 step 1 | $106,437 | $111,119 | −8.1% |
| GS-14 step 1 | $125,776 | $131,310 | −8.1% |
Pay for common jobs
| Median annual pay4 | Pensacola, FL | Urban Honolulu, HI | Urban Honolulu pay in Pensacola dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $50,360 | $73,080 | $64,357 (+27.8%) |
| Software Developers | $108,430 | $120,230 | $105,880 (−2.4%) |
| Accountants and Auditors | $76,410 | $74,990 | $66,039 (−13.6%) |
| Registered Nurses | $77,890 | $139,260 | $122,638 (+57.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.